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A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services.
The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.
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Your credit score is a tool to help you meet your goals. Want to get better rates on loans and credit cards? Refi your student loans — or even your mortgage? Your credit score could make it happen.